The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,752
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,677
−HK$940/mo
Today · 4.125%
HK$31,617
baseline
▲ 0.50% · 4.625%
HK$33,541
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,234/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,098
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$900/mo
Today · 4.125%
HK$34,886
baseline
▲ 0.50% · 4.625%
HK$36,725
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,772/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$1,129/mo
Today · 4.125%
HK$37,941
baseline
▲ 0.50% · 4.625%
HK$40,249
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,882/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,718
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,081/mo
Today · 4.125%
HK$41,864
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,728/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,652
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,948
−HK$1,316/mo
Today · 4.125%
HK$44,264
baseline
▲ 0.50% · 4.625%
HK$46,957
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,528/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,338
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,580
−HK$1,261/mo
Today · 4.125%
HK$48,841
baseline
▲ 0.50% · 4.625%
HK$51,416
+HK$2,575/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,682/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,553
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,692/mo
Today · 4.125%
HK$56,911
baseline
▲ 0.50% · 4.625%
HK$60,374
+HK$3,463/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,822/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,577
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,175
−HK$1,621/mo
Today · 4.125%
HK$62,796
baseline
▲ 0.50% · 4.625%
HK$66,106
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,592/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,280 · Scale 2, in force from 26 Feb 2026)